How To Stop Junk Mail And Prevent Mail Fraud

Dear Savvy Senior

How can I reduce the junk mail my elderly mother gets? She gets around 25 pieces of junk mail each day, and I just discovered that she’s given away nearly $2,000 over the past year to many of the sleazy groups that mail her this junk. How can I stop this?

Frustrated Daughter

Dear Frustrated

Millions of seniors get bombarded with unwanted junk mail these days, including mail fraud schemes that you and your mom need to be particularly leery of. Here’s what you can do to help.

Senior Alert

While junk mail comes in many different forms such as credit card applications, sweepstakes entries, magazine offers, coupon mailers, donation requests, political fliers, catalogs and more, the most troublesome type that all seniors need to beware of is mail fraud. This is the junkiest of junk mail that comes from con artists who are only trying to take your money.

Mail fraud can be tricky to detect because there are many different types of schemes out there that may seem legitimate. Some of the most common mail scams targeting seniors today are fake checks, go to www.fakechecks.org, phony sweepstakes, foreign lotteries, free prize or vacation scams, donation requests from charities or government agencies that don’t exist, get rich chain letters, work-at-home schemes, inheritance and investment scams, and many more. If your mom is getting any type of junk mail that is asking for money in exchange for free gifts or winnings, or if she’s receiving checks that require her to wire money, she needs to call the U.S. Postal Inspector Service at 877-876-2455 and report it, and then throw it away.

Unfortunately, once a person gets on these mail fraud mailing lists it’s very difficult to get off. That’s because these criminals regularly trade and sell mailing lists of people who they believe to be susceptible to fraud, and they won’t remove a name when you request it. Knowing this, a good first step to help protect your mom is to alert her to the different kinds of mail fraud and what to watch for. The Postal Inspection Service offers some great publications and videos, see www.postalinspectors.usps.gov that can help. Another option is to see if your mom would be willing to let you sort her mail before she opens it so you can weed out the junk. You may want to have the post office forward her mail directly to you to ensure this.

While scam artists aren’t likely to take your mom’s name off their mailing lists, most legitimate mail-order businesses will. To do this, start with the Direct Marketing Association which offers a consumer opt-out service at www.dmachoice.org. This won’t eliminate all her junk mail, but it will reduce it. The opt-out service is free if you register online, or $1 by mail.

Then, to put a stop to the credit card and insurance offers she gets, call the consumer credit reporting industry opt-out service at 888-567- 8688, and follow the automated prompts to opt her out for either five years or permanently. Be prepared to give her Social Security number and date of birth. You can also do this online at www.optoutprescreen.com. If you choose the permanent opt-out, you’ll have to send a form in the mail.

Some other resources that can help are the National Do Not Call Registry, www.888-382- 1222, which will cut down on your mom’s telemarketing calls. And www.catalogchoice.org, a free service that lets you opt her out of the unwanted catalogs she receives.